In the year 2025, the USDA loan limit for Ocean-Shores, situated in the county of Grays Harbor, WA is $285,000. Meanwhile, the limit under the FHA for a single-family home is $356,362.
To assess today's best rates for USDA versus FHA loans, use the Lendersa® USDA loan calculator. It evaluates the income, creditworthiness, reserves, and documentation required for qualification. Our advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you determine the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to seamlessly connect you with the best USDA or FHA loans efficiently and without hassle. Start with one of three paths to align with lenders and relevant USDA loan programs.
The USDA home loan, promoted by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is exclusively offered in rural areas. Unlike FHA loans that mandate at least a 3.5% down payment, USDA mortgages are available with no down payment required.
Enter your location to find out if it qualifies for USDA rural housing loan?
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